Cost of Living in KL for Family of Four

 Cost of Living in KL for Family of Four

*Updated the cost thanks to the comments

Yesterday, I was traveling back from Thailand after covering a story on social enterprise in Chiang Rai. Instead of taking the ERL Express, I took the budget KLIA taxi from KLIA back to my home.

I had a lengthy conversation with the taxi driver about the cost of living in Kuala Lumpur. The taxi driver is in his 50s and he has six kids in his family. He is the breadwinner and he only drives budget KLIA taxi for living and he said it is getting tougher and tougher for him. He had to pay more for GST and the cost of living is getting higher and higher.

This reminds me about the article we wrote recently about the cost of living in Kuala Lumpur for fresh graduates. For that story, we received many positive comments.

The taxi driver told me his hardship in raising his six kids and he is having headache now as school starts in the upcoming few days.

Thus, this gave me the idea of writing a story of cost of living for young family of four in Kuala Lumpur with working parents and two children. Thus we are working parents with two toddlers so it is quite easy for us to estimate the cost of living for family of four in Kuala Lumpur.

The following cost estimation is not based on our own cost but just a rough guide on how much a young family for four need to survive in Kuala Lumpur.


Cost of Living for Family of Four in Kuala Lumpur (Babies under 4 years old):

House Rental or House Instalments:                                                                      RM 1000

Utility Bills (Electric, Water, Unifi, Astro, Handphone):                                         RM 400

Personal Insurance for family of four:                                                                      RM 800

Car loan (Proton Saga FLX Manual 7 years repayment):                                          RM 400

Petrol:                                                                                                                      RM 400

Toll:                                                                                                                         RM 150

Parking:                                                                                                                    RM 150

Food for Parents: (RM 40 per day x 30 days)                                                          RM 1200

Babies diapers: (RM 30 x 4 packs x 2 babies)                                                          RM 240

Babies Day Care Cost: (RM 800 x 2 babies)                                                            RM 1600

Babies Clothing and other expenses:                                                                        RM 200

Groceries:                                                                                                                 RM 300

Total:                                                                                                                      RM 6840


It is scary when we calculated the cost and the basic expenses is already RM 6840 for a family of four. Basically young parents must have salaries (combined) of RM 7500 and above in Kuala Lumpur to survive. Of course, there are many ways to save the rough estimation of above.

Please take note that we are assuming the family is paying a house of RM 200,000 value or rental of a small flat of RM 1000. Using the house loan calculator, for a RM 200,000 house with 35 years of repayment at 4.45% per annum, you need to pay RM 940 per month! New houses in Klang Valley now are at least RM 300,000 (if you lucky to find one) or RM 400,000 and above. The cost excludes “pintu cukai rumah” and car insurance.  The above also excludes medical cost as we assumed we will go to government hospitals or 1Malaysia clinics. Thus, this also excludes babies extra classes costs and also things like baby strollers or car seats. Mummy’s make up and beauty product costs are not in the list too as well as vitamins and supplements. Must not forget also the cost excluding monthly payment for parents.

The above is just a rough estimation and calculation of monthly expenses of a family of four in Kuala Lumpur.  We hope our article is helpful and thanks for reading our blog. If you have opinion on this story, do comment and hope you share this story. Thanks again.